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Category Archive:

Medicare Premiums and Copayments

More than one-half of working Americans know little or nothing about Medicare costs.1 Not knowing can be expensive.

On average, people who haven’t yet retired estimate they’ll spend approximately $50,000 on health care after retirement, according to a 2014 survey.1 In reality, studies suggest it will cost almost five times that amount – even when retirees have Medicare coverage.1, 2

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Without Long-Term Care, the Premium is Everything You Own

imgYour clients need to understand long-term care has nothing to do with them. If they need care they will get it. But at what expense to those trying to provide it?”- Eileen Dunn, Associates of Clifton Park


The above is an excerpt from a newsletter I recently received, and it speaks volumes to my personal experience.

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Divorce and Elder Care Finances

2014 12 Pats signature

Just imagine needing to divorce your spouse while in your 70’s or 80’s to avoid depletion of assets. The attached article will tell you how a spouse with Alzheimer’s depleted her assets and started needing financial assistance from her husband. If her husband wants to keep his assets stable (for his long term care need) then he must consider divorcing his wife so that she will be eligible for Medicaid and no longer need to draw from his assets.

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What’s New with Long-Term Care Insurance?

2014 12 Pats signature

I found this article from Fox Business very informative on LTC. To read the full article click here.

Opinions expressed in this article are those of the author and are not necessarily those of RJFS or Raymond James. All opinions are as of this date and are subject to change without notice.